Hey all

I've been dreaming a bit recently and doing some insurance quotes for the Mk2 Fabia Vrs.

I'm 20 so it's always going to be high but for my current Mk1 Vrs it's around the £1300 mark, but doing a quote for the new Vrs, it's about £800? I'm really scratching my head as to why this could be. My current car is older, worth less and slower?!

Confused.com

Our insurance is cheaper on the Mk2 compared to our old MK1...never understood it!

My insurance on the MkII VRS is cheaper than my old 1.0 Yaris and I'm 20.

Work that out if you can.

Your first mistake is expecting anything an insurance company does to actually make sence. Just accept what they are telling you.

Yeah, lets wait till half of them are written off...soon push up the premiums lol :'(

Our insurance is cheaper on the Mk2 compared to our old MK1...never understood it!

i couldnt understand it when i had a quote for a furby vrs mk2 and come back at £750 where as my vrs was more than that

As already mentioned the old vRS has a long record of being written off. Statistically insurers believe they are more likely to have to pay out. Once the new car starts to be involved in a few claims they will build up a database and premiums will increase with a bang, like they did with the mk1.

because the old one rolled so much it was an insurance payout waiting to happen. the new fabia handles so its safe :p

on a serious note this is common. Old cars are more likely to fail and have less safety gizmos, worse brakes etc etc. your also more likely to be careful in a newer car. all adds

As already mentioned the old vRS has a long record of being written off. Statistically insurers believe they are more likely to have to pay out. Once the new car starts to be involved in a few claims they will build up a database and premiums will increase with a bang, like they did with the mk1.

Hmm, my mk1 insurance stayed the same price for 4 years... about £800

mk2 is now 1200 with the same company, (direct line) but as I canged mid year, I am getting it for less at the moment.

cheapest I found for me was about 850. so a change is in order.

to the OP, Im assuming the policy is exactly the same except for the price?Direct line once sent mea renewal that was 300 less, but they removed the protected claims without telling me...

Direct line are apparantly horrendously bad for issuing renewal notices that are not the same as your exsiting policy. And adding these "new extras" bumps the price even more.

They also are far from cheap at the moment for most people.

The mark II also has ESP you cannot turn off... many of the mark I's that slid off the road wouldn't have with ESP... this helps the insurance...

The mark II also has ESP you cannot turn off... many of the mark I's that slid off the road wouldn't have with ESP... this helps the insurance...

Hi Sharkrider, there is a button to turn off the ESP? or am I getting mixed up with all the safety acronims? mine has a button just below the rear window heater, doesnt that switch it off?

Hi Sharkrider, there is a button to turn off the ESP? or am I getting mixed up with all the safety acronims? mine has a button just below the rear window heater, doesnt that switch it off?

Your right there is a button, but many of the reviews (and i think some Skoda documents?) say that it is never 100% off.

Not sure how you could work this out though

Your right there is a button, but many of the reviews (and i think some Skoda documents?) say that it is never 100% off.

Not sure how you could work this out though

the only buton in mine is to turn off the asr (anti slip regulation), which cuts power to the wheels if they spin, the electronic limited slip diff is still on, so is the ESP.... (I was bored at work and was actually reading the handbook! lol..)

the only buton in mine is to turn off the asr (anti slip regulation), which cuts power to the wheels if they spin, the electronic limited slip diff is still on, so is the ESP.... (I was bored at work and was actually reading the handbook! lol..)

I stand corrected :yes:

In the same boat as yourself mate. 20 Years old and doing a bit of dreaming. Looked at an old one and the car is cheaper but insurance was 1200 quid. I'm 740 on the new furby vRS which I put down to the smaller engine? I did queery whether or not they had actually driven one of these cars but thought i'd leave them alone considering i'm getting that as a quote for my 6 year old corsa!

Im in the same boat too... hoping to order one at 19. my quote are like 1800~2000 £ so maybe im paying more because im a student or something..?

I've noticed this to, Admiral seems to give particularly cheap quotes for younger drivers. Its the same with the SEAT Ibiza Cupra. Could be the engine size, but the Golf GT 1.4 TSIs where always super expensive to insure.

I've noticed this to, Admiral seems to give particularly cheap quotes for younger drivers. Its the same with the SEAT Ibiza Cupra. Could be the engine size, but the Golf GT 1.4 TSIs where always super expensive to insure.

the seat ibiza cupra has been entered into the DVLA system incorrectly. they have it down as a group 4 car iirc.

Theres guys on the Seatcupranet forum getting less for the cupra than the Fr and een lower models. No doubt DVLA will amend it in time, then the insurance will hammer them

My insurance was £60 than my Fiat Punto 1.2 £380. Bargain.

the seat ibiza cupra has been entered into the DVLA system incorrectly. they have it down as a group 4 car iirc.

Theres guys on the Seatcupranet forum getting less for the cupra than the Fr and een lower models. No doubt DVLA will amend it in time, then the insurance will hammer them

Yeah I originally thought that, but I noticed today that the VRS attracts quotes almost as cheap as the Cupra. An 06 Golf 1.4 TSI 140 on the other hand costs double, yes double, what it would for a VRS or Cupra. Makes no sense at all.

skoda not make mk1 any more so insuance companies think parts are few and far between so insurance go up new cars are less as parts are easy to come by

I don't live in a city centre and work full time so maybe that does help my quotes a bit. I know when I

It's got me intrigued anyway so I'm going to get some other quotes for different cars. On an Octi vRS it's about £2500

I really want get a test drive but I fear if I do I'll want one and doing about 400 miles a week the petrol costs would be a bit mad.

I don't live in a city centre and work full time so maybe that does help my quotes a bit. I know when I

It's got me intrigued anyway so I'm going to get some other quotes for different cars. On an Octi vRS it's about £2500

I really want get a test drive but I fear if I do I'll want one and doing about 400 miles a week the petrol costs would be a bit mad.

I do 400 miles a week and I don't think it's that bad. But then again I do have my petrol allowance :p

Living rurally definitely helps.

I don't live in a city centre and work full time so maybe that does help my quotes a bit. I know when I

It's got me intrigued anyway so I'm going to get some other quotes for different cars. On an Octi vRS it's about £2500

I really want get a test drive but I fear if I do I'll want one and doing about 400 miles a week the petrol costs would be a bit mad.

Also live outwith the city center and work full time. I think this does help. I think we must live similar lives because I've also looked at buyin my dads Octy vRS off him and the insurance was 2.5k Which if you think about it, could potentially be another 1.8k a year towards a Fabia vRS for the next 3 years because its highly unlikely your insurance is going down massively over that space of time. Also, I have had my test drive, and I've never wanted anything so bad in my life. Don't test drive it, or you WILL end up buying one!